Need to get contents insurance but wondering if people insured their bikes separately? I have a nice singlecross prob worth about 500 quid and a ss mountain bike which would cost about 1500/2000 to replace and they're both in a locked but not alarmed garage, any opinions or good ie bike friendly insurers?
Choose a household insurance that covers your bikes well rather than seperate bike insurance if you can. M&S are pretty much the default but try Co-op, AA and one I've forgotten the name of run by John Lewis.
Some household cover includes, or allows you to add a bike, but see what you are actually covered for, I had one policy once that listed the bikes but I later found out they were only covered while they were in the house, not while they were actually being used as bikes.
Specialist Bike cover often has lots of conditions - bikes only secured with locks from their list - not locked outside between certain hours at night etc.
M&S covers anything, doesn't care how you look after it of how/what/when something happens, and thats as much assurance as it is insurance.
cheers sounds spot on!
I pay £12 a month for £7500 worth of cover with Lloyds.